Erin wants a monthly retirement income of $10,000. She will retire on her birthday at age 67 with a $3,000 per month social security monthly benefit and a $3,000 per month defined benefit pension. She expects to die on her birthday at age 90 and would like to leave $100,000 to each of her 4 children. She expects that her assets will grow at 9.9% per year. Her marginal tax rate is 24% and she expects a 2.6% annual rate